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Trupanion and MVD

Does anyone have or had a cavalier with MVD and has Trupanion for pet insurance? I have a friend whose cavalier (according to vet) went from a grade 1 murmur to grade 3 with fluid in the lungs in 6 month. The vet has prescribed lasix but I keep telling her to see a cardiologist. She uses Trupanion and maybe if I can tell her that a specialist would cover the cost it might get her to bring Kennedy in. I love Kennedy like my own since she was Ella's boyfriend and they were joined at the hip. Elton doesn't play with him. I have read posts over and over about vets trying to treat MVD and to go to a Cardiologist so it is really upsetting me especially since he seems to be at the point where he needs medication. He is also having some symptoms that is worrying her.